还有些人的看法则更一针见血。某跨国银行的一名分析师表示:“这可能会彻底改变游戏规则。就中低收入顾客群而言,互联网金融是银行面临的最大威胁。”这名分析师要求在本次报道中保持匿名,因为他尚未获得就此对媒体发表意见的授权。
Richer customers have already started shifting their funds into banks’ wealth management products, which offer much better returns than regulated deposit accounts but have high minimum investment thresholds. With Yu’E Bao, users can invest as much or as little as they want.
手头更宽裕的顾客已开始将资金转移至银行的理财产品上,这类产品比利率受到管制的银行存款回报率更高,不过投资门槛很高。而余额宝用户的投资数额没有上限也没有下限。
Moreover, just like demand deposits at banks, users can withdraw their money from Yu’E Bao whenever they want. But while demand deposits earn an annualised rate of 0.35 per cent in banks – a level capped by the government to ensure that banks have plump profit margins – Yu’E Bao rates have averaged about 5 per cent over the past month.
另外,和银行活期存款一样,余额宝用户能随时从余额宝账户提取资金。如今银行活期存款年利率只有0.35%(为了确保银行能获得丰厚的利润,政府将活期存款利率限制在这一水平),而过去一个月余额宝的平均年化收益率则为约5%。
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